vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-11 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: MS

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 XXXX # XXXX, XXXX XXXX BANK XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. states that I have the right to privacy. 

The companies did not report the accurate information to each credit bureau nor did they provide accurate information when asked. 

XXXX XXXX XXXX sold the account information to collection and never gave the account holder the information to where it was sold. XXXX XXXX XXXX continued to keep this account in " charge off '' status. The information provided is different amongst all credit bureaus. 

Collect all information regarding these account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: NJ

Complaint narrative:
This letter serves as a formal dispute regarding the debt reported on my credit file under Account XXXX XXXX. This debt is fraudulent, the result of identity theft, and has absolutely no connection to me. I have never opened an account with XXXX XXXX XXXX, nor have I ever authorized anyone to do so on my behalf. The presence of this erroneous and fraudulent information on my credit report is unacceptable and has caused substantial damage to my creditworthiness. 

Under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I am exercising my legal right to dispute this debt. You are legally obligated to investigate and remove any inaccurate or fraudulent information from my credit file. 

To substantiate my claim of identity theft, I have enclosed the following documentation : A copy of my police report or FTC Identity Theft Report. 
A copy of my government-issued ID to verify my identity. 
I demand the immediate removal of this fraudulent debt from my credit report. If this issue is not resolved promptly, I will not hesitate to take legal action to enforce my rights under the FCRA and FDCPA. This includes filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursuing all available legal remedies. 

I expect confirmation in writing that this fraudulent account has been removed from my credit report within 3 days. Failure to comply will result in further legal action. 

Sincerely, XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-11 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I am a victim of XXXX XXXX of XXXX XXXX. I would like for all listed names, addresses, and accounts to be BLOCKED AND DELETED BY EXPERIAN as follows : XXXX XXXXXXXX XXXX XXXX Account XXXX- {$2500.00}, XXXX  XXXX XXXX XXXX {$33.00}, XXXX XXXX XXXX {$4700.00} XXXX XXXX XXXX XXXXXXXX {$43000.00}, XXXX {$550.00}, XXXX {$720.00}, Inquiries-XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: GA

Complaint narrative:
Cash application data breach in 2021. Scrammed out of {$3600.00}. Scammers used my personal information from my cash app to withdraw money from this account. I deleted the cash app.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information 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
Consumer complaint received 2024-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-11 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting Act ( FCRA ), I am writing to file a formal complaint against the following accounts listed on my credit reports, which have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. These violations are detailed below : Violations : 15 U.S.C 1681 Section 602 ( a ) : This section affirms my right to privacy, which has been compromised by the improper furnishing and handling of my personal information.

15 U.S.C 1681 Section 604 ( a ) ( 2 ) : This section clearly states that a consumer reporting agency can not furnish an account without my written instructions, which has not been provided in these cases.

15 U.S.C 1681c ( a ) ( 5 ) : This section prohibits the inclusion of any adverse information in a consumer report that is more than seven years old. The accounts listed below contain adverse information that predates the legally allowed time frame.

15 U.S.C. 1681s-2 ( a ) ( 1 ) : This section prohibits the furnishing of information that is known to be inaccurate. The accounts listed below contain inaccuracies that have been reported despite reasonable cause to believe they were incorrect.

15 U.S.C. 6802 : I did not receive the required opt-out notice at the time of account creation, which violates my right to opt-out from the reporting of non-public information.

List of Accounts : Below is the list of accounts that have violated the aforementioned sections of the FCRA and other related laws : 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 Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-11 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: MO

Complaint narrative:
I had reach out to Experian on a lot of different times on reporting my information incorrectly on all my opened account plus on this false collection report. I had show the company that the information on my history report on my credit did not match and still no repy or answer on this is been answer. I show the certified information on the validation letter I had sent out to the company with no response to my answer letter. Experian has let company on to my report after i freeze my account and do soft pulls on my name. I had all my credit freezing for three years time. They are reporting my business address on my report where i do not resident.

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 2024-08-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: MI

Complaint narrative:
XX/XX/XXXX contacted mortgage co. to say switching XXXX XXXX XXXX, not to pay XXXX. 

Regardless on XX/XX/XXXX Shellpoint supposedly sent a check to XXXX any way for {$XXXX}. 

XX/XX/XXXX I cancelled with XXXX, asked them about refunding this amount. They stated " we absolutely have not pulled anything from your escrow account. Your total balance of {$XXXX} is showing as unpaid. We can only send your mortgage company an invoice, which does get sent out around a month prior to the due date so as to give them ample time to make the payment before it's due, and from there they will send us a check. If your mortgagee has already mailed the payment and it is processed before the termination takes effect, it will be refunded and mailed to you in check form. '' Also on XX/XX/XXXX I switched my XXXX XXXX to XXXX. The amount is {$XXXX}. 

I have repeatedly emailed Shellpoint that they have DOUBLE CHARGED my account, causing it to be overdrawn, no answer. 

On XX/XX/XXXX, I have XXXX automated response emails stating that they got my emails and they would answer me " as soon as we can. '' They have never answered me. 

They provide an email to send your docs to which is XXXX This email ( XXXX ) absolutely does NOT work, every email sent bounced back " Undeliverable : [ XXXX ] Proof of Insurance '' So Shellpoint supplies a non-working email contact. 

XXXX sent, all bounced back. 

Now Shellpoint has OVERDRAWN my account. They have ignored all contact from me. They have again essentially stolen my money. 


Transaction Date Transaction Amount Due Date Description Principal Amount Interest Amount Escrow Amount Late Charge Amount Principal Balance Escrow Balance XX/XX/XXXX - {$XXXX} XX/XX/XXXX Insurance Premium Disbursement {$XXXX} {$XXXX} - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX Insurance Premium Disbursement XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Shellpoint needs to immediately cancel the {$XXXX} supposedly sent to XXXX & XXXX my account. 

XXXX has not received this. 

This is the fault of Shellpoint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-11 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: NY

Complaint narrative:
Recently I look at my credit report and noticed several on my account. this account is hurting my ability to obtain credit Its my understanding that XXXX and XXXX, will investigate this account for me to ensure accuracy here is the account. I am asking you to verify as accurate : XXXX XXXX XXXX Account number 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 2024-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information 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
Consumer complaint received 2024-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Client Services, Inc.
State: GA

Complaint narrative:
XXXX account was being charged large amounts that was not me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information 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
Consumer complaint received 2024-08-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I was having trouble signing into XXXX XXXX and had to call the number on the screen. The first middle eastern sounding man ended up transferring me to a second middle eastern sounding man that said Id been getting XXXX XXXX but hadnt been paying it ( I have XXXX membership and I told him I dont know how thats possible. He said he could fix it so I didnt ended up a big bill do dont want that do you he yelled. He had me download an ap that let him see my keystrokes and had me set up a contact with my name but a different email address that he gave me and proceeded to have me transfer money via XXXX to that person. He said there were several steps because I kept questioning when do we get to part of giving that money back to me. He would yell and ask if I was stupid, that he was trying to help me. I was on speaker and after the second transfer my husband said to just hang up. I immediately went to the bank crying for them to stop the transfers but he said theyd already been transferred and there was nothing he could do. Directed me to call BofA Fraud division.

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 2024-08-11 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act Convergent Account # XXXX from XXXX XXXX, has violated my rights.

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

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 2024-08-11 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:
In accordance with the Fair Credit Reporting Act ( FCRA ), I am writing to file a formal complaint against the following accounts listed on my credit reports, which have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. These violations are detailed below : Violations : 15 U.S.C 1681 Section 602 ( a ) : This section affirms my right to privacy, which has been compromised by the improper furnishing and handling of my personal information.

15 U.S.C 1681 Section 604 ( a ) ( 2 ) : This section clearly states that a consumer reporting agency can not furnish an account without my written instructions, which has not been provided in these cases.

15 U.S.C 1681c ( a ) ( 5 ) : This section prohibits the inclusion of any adverse information in a consumer report that is more than seven years old. The accounts listed below contain adverse information that predates the legally allowed time frame.

15 U.S.C. 1681s-2 ( a ) ( 1 ) : This section prohibits the furnishing of information that is known to be inaccurate. The accounts listed below contain inaccuracies that have been reported despite reasonable cause to believe they were incorrect.

15 U.S.C. 6802 : I did not receive the required opt-out notice at the time of account creation, which violates my right to opt-out from the reporting of non-public information.

List of Accounts : Below is the list of accounts that have violated the aforementioned sections of the FCRA and other related laws : 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 Thank you for your prompt attention to this matter.

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 2024-08-11 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting Act ( FCRA ), I am writing to file a formal complaint against the following accounts listed on my credit reports, which have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. These violations are detailed below : Violations : 15 U.S.C 1681 Section 602 ( a ) : This section affirms my right to privacy, which has been compromised by the improper furnishing and handling of my personal information.

15 U.S.C 1681 Section 604 ( a ) ( 2 ) : This section clearly states that a consumer reporting agency can not furnish an account without my written instructions, which has not been provided in these cases.

15 U.S.C 1681c ( a ) ( 5 ) : This section prohibits the inclusion of any adverse information in a consumer report that is more than seven years old. The accounts listed below contain adverse information that predates the legally allowed time frame.

15 U.S.C. 1681s-2 ( a ) ( 1 ) : This section prohibits the furnishing of information that is known to be inaccurate. The accounts listed below contain inaccuracies that have been reported despite reasonable cause to believe they were incorrect.

15 U.S.C. 6802 : I did not receive the required opt-out notice at the time of account creation, which violates my right to opt-out from the reporting of non-public information.

List of Accounts : Below is the list of accounts that have violated the aforementioned sections of the FCRA and other related laws : 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, XXXX XXXX XXXX XXXX XXXX, XXXX Thank you for your prompt attention to this matter.

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 2024-08-11 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: NJ

Complaint narrative:
The following collections are reporting a debt on for a collection that is inaccurate : XXXX XXXX XXXX {$530.00} and XXXX XXXX XXXX XXXX XXXX XXXX .These following accounts have violated my rights. 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 an account without my written instructions 15 U.S.C1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose I would also need the removal of these inquiries listed below immediately as I were not aware of these either. 

XXXX XXXX Via dealer XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation