vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-11 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: DC

Complaint narrative:
Subject : Urgent : Fraudulent Credit Card Applications on My Account Dear XXXX  XXXX XXXX Fraud Department, My name is XXXX XXXX, and I am writing to report fraudulent activity on my account. 

Upon reviewing my credit report, I discovered that two XXXX  XXXX XXXX credit cards have been applied for under my name with limits of {$11000.00} and {$5500.00}. I want to emphasize that I did not apply for these accounts, and I did not authorize anyone else to do so on my behalf. These are fraudulent accounts. 

I urgently request that you shut down these credit cards immediately to prevent any further unauthorized activity. Additionally, please ensure that these fraudulent accounts and any related inquiries are removed from my credit report. 

Please confirm receipt of this email and inform me of the steps being taken to address this issue. If you require any additional information or documentation from me, please let me know at your earliest convenience. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I am filing a complaint regarding the conduct of [ Name of XXXX XXXX XXXX ] under the Fair Credit Reporting Act ( FCRA ), specifically Sections 1681e ( b ) and 1681i ( a ) of Title 15 of the United States Code. On XX/XX/year>, I sent a letter disputing unauthorized inquiries on my credit report and included a copy of my identification as requested. Despite this submission, I received a response asserting disbelief in the receipt of my dispute or claiming inability to identify me. This refusal to acknowledge receipt and properly handle my dispute violates the FCRA 's requirements for accurate identification of consumers and prompt investigation of disputes. I request that the CFPB investigate this matter and take appropriate action to ensure compliance with the FCRA.

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 2024-07-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : XXXX : [ Macy 's ] [ XXXX ] XXXX : [ Macy 's ] [ XXXX ] XXXX : [ Macys  ] [ 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 2024-07-11 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: NJ

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2024-07-11 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:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-11 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: FL

Complaint narrative:
15 u.s. code 1681 ( i ) - re inserted an item and never notified me within the timeframe. penalty {$1000.00} per item. XXXXXXXX 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 2024-07-11 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: FL

Complaint narrative:
15 u.s. code 1681 ( i ) - re inserted an item and never notified me within the timeframe. penalty {$1000.00} per item. 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 2024-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2024-07-11 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX  Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX  : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX ML XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 XXXX XX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-07-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: FIRST HOME MORTGAGE CORPORATION
State: VA

Complaint narrative:
My mortgage forbearance for unemployment was approved and the servicer updated my credit report status from " XXXX '' to " 120 days delinquent '' without identifying any missed payments. 

During the Unemployment Forbearance, the servicer did not report Delinquency Status Code 09 Forbearance and Delinquency Reason Code 16 - Unemployment. The servicer did not utilize Delinquency Reason Code XXXX Unemployment even though I was approved for Unemployment Forbearance, against XXXX XXXX  guidelines. The servicer should continue to report a full-file status report to the XXXX major credit repositories for each mortgage loan in an Unemployment Forbearance plan in accordance with the Fair Credit Reporting Act and credit bureau requirements as provided by the Consumer Data XXXX XXXX XXXX Fullfile reporting must continue if the Unemployment Forbearance arrangement is extended and must continue to the end of the Unemployment Forbearance plan. 

I asked the representative to remove the delinquent marks and update the appropriate status to " current '' as I am still under an approved unemployment forbearance and have been impacted by a disaster ( Disaster Declaration # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX and XXXX refused to remove the delinquent status.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items.

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 2024-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On my credit profile I noticed some hard inquiries that are not mine.

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 2024-07-11 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: VA

Complaint narrative:
I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. 
I have given you my identification as well as the information requested from the list of acceptable items which only XXXX are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ) i have also provided an attachment with my id.

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 2024-07-11 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Mortgage Research Center, LLC
State: VA

Complaint narrative:
Veterans United only helps veterans when they want their money and want them to close on a home. I suggest XXXX XXXX XXXX  or veteran ever use them. They were very swift and worked very diligently on getting me a real estate agent, who sold me a lemon, sight unseen while I was XXXX XXXX 2 months after being ( XX/XX/2023 ) in the home I was unable to live in the home due to 2 major leaks ( amongst an array of other costly issues ). We could no longer use the bathrooms of the home, and the ceilings in our kitchen were cut open. My family and I had to move out, after just moving back to the US after 3 years and trying to settle my children, due to both showers being inoperable. Insurance claims were filed, and we moved into a rental in XX/XX/2023. Making it unaffordable to pay a mortgage, a rental home and make major renovations on a home we had just purchased, we opted to put the home in short sale. I requested a short sale with the bank, in XXXX of this year. It is now XXXX and we still have no actually movement on the short sale because of how much back and forth the process is, and how they are valuing the home with a fraudulent appraisal to benefit them. Communication is through email only, every 5 business days. There are no posted clear instructions on what will be needed and how the process is to go. The appraisal is completely inaccurate. Stating the condition of the home needs no visible repairs and is at full market value, making a short sale extremely difficult. The email liaison states the appraisal rebuttal was denied, yet I have no official traffic of this other than her email. Veterans United could help close on the home within 60 days, yet now that I am in extreme financial hardship and needing them to take any sale, they can get on this home to get it out of my name as soon as possible, they are not helping at all. I have been begging for someone to see the real condition of this home, is not at full market value. There are insurance claims, and visual proof of this home needing major alterations and renovations. Not to mention, not one comp given on the appraisal shows the sale date of the property, and none are in our development. This appraisal is clearly in the banks favor to be able to get the most money they can, despite the fact this home can't even be lived in right now. This is a disgraceful situation, that I have received no help on for 7 months now. I am an active-duty service member begging for some serious assistance to regain control of my finances and rebuild my credit that this is destroying every month that passes. I'd like the VA 's assistance, and anyone who can please take a hard look at the severity of this problem. Thank 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 2024-07-11 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: CA

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report. It shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1691i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information as appropriate, based on the results of the investigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
I paid this account off in XX/XX/year>. I closed this account right after and they continue to charge me interest fees. In XXXX I paid an interest fee {$58.00} over the phone as I couldn't do otherwise as account was closed. They told me this interest fee was from the previous month before and my account should have been completed. 
Each month after XXXX I was getting more interest fees {$76.00} and I called them and they told me it accrued during the time that I already inquired about in XXXX. They could not give me the correct dates of this interest as their billing system wasn't equipped for that and would not work with me once I stressed this didn't make sense. I told them that I was going to dispute this charge and they did not express any concern so the call ended. 
I know the call was recorded and would like this to be submitted as evidence in this dispute if need be as they stress the call is recorded. 
They continue to keep charging me interest fees and my credit score is being effected. I disputed this will XXXX where Best Buy credit card declined which brings me to this report. 
I feel totally harrassed by this credit card company and have from the beginning. Thats why I paid it off. I dont have specific dates but can honestly assure you I've called multiple times. Since XX/XX/year>. Last time I called them was in XXXX or XXXX and then took measures through XXXX. 

I will never use this bank again and next will file a federal trade commission 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 monetary relief
Consumer complaint received 2024-07-11 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: FL

Complaint narrative:
This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report immediately : List of accounts to be deleted XXXX XXXX Account # XXXX XXXX XXXX  Account # XXXX XXXX XXXX  XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX  Account # XXXX XXXXXXXX XXXX Account # XXXX XXXX  XXXX XXXX XXXX Account # XXXX The reporting of these account ( s ) is/are violations of 15 USC 1681, and the Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : consumer 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 2024-07-11 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: NC

Complaint narrative:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.

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 2024-07-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
BEEN SEEING THESE FRAUDULENT ACCOUNTS FROM MY REPORT AND THESE FRAUDULENT ACCOUNTS ARE STRESSING ME OUT. 
I WANT THESE TO BE PERMANENTLY REMOVE FROM MY CREDIT REPORT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief