vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-10 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: NV

Complaint narrative:
Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.

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 2024-11-10 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: Advanced Resolution Services Inc.
State: NJ

Complaint narrative:
PER THE FAIR CREDIT REPORTING ACT Section 605A. [ 15 U.S.C. 1681c-1 ] : I am sending you this letter to initiate my request for your company to place a security freeze and surpress from sharing ANY information about me : XXXX XXXX XXXX 
I do not consent nor authorize the sharing of my information to the public, specifically with data aggregators who are looking to collect information on my behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-10 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: CBC Companies, Inc.
State: NJ

Complaint narrative:
PER THE FAIR CREDIT REPORTING ACT Section 605A. [ 15 U.S.C. 1681c-1 ] : I am sending you this letter to initiate my request for your company to place a security freeze and surpress from sharing ANY information about me : XXXX XXXX . 
I do not consent nor authorize the sharing of my information to the public, specifically with data aggregators who are looking to collect information on my behalf.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-10 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: PA

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-10 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: OneMain Finance Corporation
State: LA

Complaint narrative:
In accordance to the Fair Credit Reporting Act, XXXX, xxxxxxxxxxxx XXXX has violated my rights. In accordance with the Fair Credit Reporting Act ( FCRA ), I request that you investigate the accuracy of this information and correct or remove any inaccuracies. This company also contacted my employer several times. Under 15 U.S.C. 1681i, you are required to conduct a reasonable investigation into any disputed information and correct any errors or outdated data in my credit file. Furthermore, under 15 U.S.C. 1681c-2 ( FCRA 605B ), I request that you remove any information related to fraudulent accounts or activities that I did not authorize. This section of the FCRA mandates that information relating to fraudulent accounts must be removed from a consumers credit report within a reasonable period once reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: SYNCHRONY FINANCIAL
State: MS

Complaint narrative:
Synchrony Bank turned me over to XXXXXXXX XXXX  XXXX for Collections. They hired a process server who did not bother going to the last 2 addresses they have sent statements to for the last 5 years. They went to the original address I used to set the card up while I was moving and have not lived there in years. They served my XXXX XXXX XXXX father who cant hear and has memory problems. He had to be medicated to get his XXXX XXXX down and could have had a XXXX. 

Synchrony Bank breeched the agreement. In the tems of service they state they will not share my information with XXXX parties. They gave my info to my parents which has caused a ton of issues. My parents think my XXXX is being sued because we have the same first name but different middle name. They made no effort to distinguish while serving the wrong person at the wrong address.

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 2024-11-10 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: NV

Complaint narrative:
I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-10 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: NV

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

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 2024-11-10 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: NV

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

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 2024-11-10 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: Barrett Financial Group, L.L.C.
State: LA

Complaint narrative:
In accordance to the Fair Credit Reporting Act, XXXX, has violated my rights. In accordance with the Fair Credit Reporting Act ( FCRA ), I request that you investigate the accuracy of this information and correct or remove any inaccuracies. Under 15 U.S.C. 1681i, you are required to conduct a reasonable investigation into any disputed information and correct any errors or outdated data in my credit file. 
Furthermore, under 15 U.S.C. 1681c-2 ( FCRA 605B ), I request that you remove any information related to fraudulent accounts or activities that I did not authorize. This section of the FCRA mandates that information relating to fraudulent accounts must be removed from a consumers credit report within a reasonable period once reported.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-10 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:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

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 2024-11-10 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: PA

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

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 2024-11-10 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: MA

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX  on XX/XX/XXXX with a balance of {$29000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: AL

Complaint narrative:
I opened a low limit credit card account with XXXX XXXX XXXX  in either XXXX or XXXX but paid it off ( beginning of XXXX ) after losing my job in XX/XX/XXXX. Despite having paid off the balance owed and closing the account, XXXX XXXX XXXX charged off my account and sold it to a collection agency ( Midland Credit Management ). While I am not certain as to when this transaction happened, you can XXXX my surprise when I received notice from the XXXX XXXX XXXX XXXX XXXX ( XXXX, XXXX  ) early in XXXX that Midland Credit Management ( MCM ) had retained XXXX XXXX XXXX, XXXX  ( a Legal Collections Provider/Attorney out of XXXX, Alabama ) XXXX sue me for {$730.00}. On XX/XX/XXXX, the case went before XXXX XXXX XXXX XXXX XXXX ; after hearing testimony and reviewing the evidence submitted, the XXXX entered a judgement for the Defendant ' ( myself ). 

It has been over XXXX years since this has happened yet Midland Credit Management ( MCM ) continues to report this on my credit as a negative account still in collections with their agency. I have repeatedly called both MCM as well as XXXX XXXX XXXX, PC demanding they remove the derogatory marks off of my credit report ; each one states the other is responsible so I get absolutely nowhere. 

PLEASE PLEASE help me!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: SANTANDER HOLDINGS USA, INC.
State: NY

Complaint narrative:
SANTANDER CONSUMER USA wrote off the Loan on my account as a lost to the IRS, They never sent me the 1099 form so i can pay taxes.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-10 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: NV

Complaint narrative:
Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ACIMA CREDIT, LLC
State: LA

Complaint narrative:
In accordance to the Fair Credit Reporting Act, XXXX, XXXX has violated my rights. In accordance with the Fair Credit Reporting Act ( FCRA ), I request that you investigate the accuracy of this information and correct or remove any inaccuracies. Under 15 U.S.C. 1681i, you are required to conduct a reasonable investigation into any disputed information and correct any errors or outdated data in my credit file.

Furthermore, under 15 U.S.C. 1681c-2 ( FCRA 605B ), I request that you remove any information related to fraudulent accounts or activities that I did not authorize. This section of the FCRA mandates that information relating to fraudulent accounts must be removed from a consumers credit report within a reasonable period once reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-10 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: NV

Complaint narrative:
I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.

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 2024-11-10 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: NV

Complaint narrative:
I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: LD Holdings Group, LLC
State: CA

Complaint narrative:
LoanDepot.com, LLC ( LDCL ) sold my loan to an investor several years ago. The sale was never recorded as required by California law. The investor then securitized the loan and marketed it as a mortgage backed security to the tune of $ XXXX XXXX, all without pre or post disclosure to me. Although the now unsecured mortgage left neither LDCL or the investor with standing to enforce payment or any authority to foreclose, LDCL appointed XXXX XXXX XXXXXXXX as the servicer and colluded with XXXX to usurp the lawfully Recorded Owner/Trustee and illegally appointed and Recorded a Trustee to initiate an equally illegal nonjudicial foreclosure action on the unsecured mortgage. Despite notices to cease and desist and numerous attempts to resolve the matter, their illegal actions and harassment continues. My standing as holder of superior interest in the matter continues to be ignored, XXXX XXXX XXXX XXXX UCC1 filing XXXX and XXXX XXXX XXXX XXXX filing XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-10 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: ProCollect, Inc.
State: MS

Complaint narrative:
This account was opened fraudulently without my permission Please see FTC report attached " According to FCRA Section items saying " Potentially : 605B it is illegal to report anything on my credit negative report without my 6. For the reason select permission. 
Please remove this negative " Other Reason '' item. 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 2024-11-10 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: NC

Complaint narrative:
I was checking my credit report and found that I have accounts opened in my name and XXXX collection I was only XXXX at the time these accounts where open and I did not give my consent nor did I open these accounts. I contacted all three credit bureaus and they verified the information as true. The following accounts I did not open and they are either fraud or someone else information is on my credit report. The following accounts need to be removed and investigated as soon as possible. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I reached out to all credit bureaus and they sent back information being verified without information on how it was verified because I don't understand how that can be so because I did not open these accounts.

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 2024-11-10 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after XXXX days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.

Company response to consumer: Closed with explanation