vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-07 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. 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 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, 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 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 consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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

Complaint narrative:
XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX are accounts on my credit report as results of identitys theft. Ive never done business with either company! Ive reached out to both companies informing them of the theft, XXXXXXXX XXXX has already took the step to stop reporting to XXXX and its been delete. Im a victim of the XXXX data breach I believe my identity has been stolen as result of that!

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 2024-07-07 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: EQUIFAX, INC.
State: NM

Complaint narrative:
I did not give XXXX XXXX on XX/XX/year> to pull my credit report. This is a fraud inquiry on my Equifax Credit Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-07 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: FL

Complaint narrative:
I am interested in processing disputes on my credit report to delete an remove all information that is hurting my credit report. ive listed multiple items that are not following FCRA rules. I am also a victim of identity theft. this has caused major delays on my credit report please review an remove this listed items asap.

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 2024-07-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PNC Bank N.A.
State: AL

Complaint narrative:
There was an account opened in my name and the credit card company wants me to pay it and in was a victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-07 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX are accounts on my credit report as results of identitys theft. Ive never done business with either company! Ive reached out to both companies informing them of the theft, XXXX XXXX  has already took the step to stop reporting to XXXX and its been delete. XXXX a victim of the EQuiFaX data breach I believe my identity has been stolen as result of that!

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

Complaint narrative:
I AM INTERTESTED IN PROCESSING DISPUTES FOR THE FOLLWOING ITEMS LISTED ON MY CREDIT REPORT THAT IS HINDERING MY FIEL. THESE ITEMS DO NOT FOLLWO THE FCRA RULES. I AM ALSO A VICTIM OF IDENTITY THEFT, PLEASE REVIEW AN REMOVE ALL LISTED ACCOUNTS THO HELP CLEAN MY CREDIT REPORT ASAP.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I've talked to Experian several times and they and they refuse to change the status of my credit reporting dealing with how it is reporting I sent the forbearance letter and all the deferment paperwork to show the correction to my account that was given by the department of education even after all the documents they refuse to change the status to positive if no payment is due right now how can I be late so why is it showing negativity. This my forbearance letter from the school that shows that my account is in good standing and no payment XXXX of XXXX  I did upload the documents to their website they did receive my document and update on my report that I do have a deferred payment, but they still got me in the system as negative reporting so please help me resolve this issue. This is forbearance the letter

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 2024-07-07 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: FL

Complaint narrative:
I am looking to dispute a remove all inaccurate information that is hindering my credit report. all of the accounts listed are not following the a FCRA rules. this has caused major delays and denials on my credit report. please review an remove the following to help clear my file asap. delete the accounts reporting are not mines.

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 2024-07-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
My name is XXXX XXXX XXXX, On or about XX/XX/year> after phone calls from PORTFOLIO RECOVERY ASSOCIATES about a debt I never Received a validation of debt notice explaining my rights to dispute PRA mail it to the wrong address and never attempted to correct their mistake clear violation of 12 cer 1006.34 reg F ... 15 us code 1692g deceptive and misleading... it was intentionally done ..I 've enclosed documents showing PRA knew my correct address ... by me not receiving the debt notice it violated my right to dispute with in the 30 day time flame..currently PRA is illegally reporting derogatory information about me with out full validation ... The CFPB order Repeat offender PORTFOLIO RECOVERY ASSOCIATES to pay more than XXXX XXXX for continued illegal debt collection practices and consumer Reporting Violation this is no different they continued there bad behavior un checked.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-07 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: Credit Corp Solutions Inc.
State: CA

Complaint narrative:
Credit Corp Solutions opened a collection account against me without providing me any proof, letter or correspondence. I began receiving constant phone calls from this company, often multiple times a day, early in the morning and late at night. 

I contacted this company requesting proof of the debt and I was told I could only be provided proof if I agreed to make payment arrangements to settle the debt they are attempting to collect. I refused to agree to their terms as to my knowledge I owe no outstanding debt to any creditor or lender. The person who I spoke to was very rude, unprofessional and stated they would be reaching out to my employer to garnish my wages to pay this debut. 

The phone calls to collect a debt by this company have continued. At this point it's become harassing and I feel unsafe. Every time I look at my phone it seems like I have a missed call from them. It's beginning to feel like I'm being stalked. They keep calling me and won't stop. 

I've contacted an attorney and they've advised me to reach out to you, the CFPB, to try settle this matter before I escalate any legal action against this company. I'm requesting for this company to cease and desist from contacting me as well as to remove any delinquency or collection remark on my credit report from the credit bureaus such as XXXX, XXXX and XXXX and I am requesting for all debt attempts to subside.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-07 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : 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 XXXXXXXX, 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 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 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 explanation
Consumer complaint received 2024-07-07 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: EQUIFAX, INC.
State: NM

Complaint narrative:
I did not give XXXX XXXX on XX/XX/year> to pull my credit report. This is a fraud inquiry on my Equifax Credit Report. I did not give them permission to pull my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-07 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:
The consumer complaint involves discrepancies found in the consumer 's credit report obtained from all three major credit reporting bureaus- XXXX, TransUnion, and XXXX. The consumer identified numerous inaccuracies and unauthorized inquiries in their credit report, which they believe violate their rights to privacy and confidentiality as protected by the Fair Credit Reporting Act ( FCRA ) under 15 USC 1681. 

The consumer has taken the necessary step of requesting the credit reporting agencies to investigate the accounts in question to determine the reasons for the unauthorized activities reflected in their credit report. By invoking their rights under the FCRA, the consumer seeks resolution to rectify the inaccuracies and protect their consumer rights as guaranteed by federal law.

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 2024-07-07 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: EQUIFAX, INC.
State: TX

Complaint narrative:
The consumer complaint involves discrepancies found in the consumer 's credit report obtained from all three major credit reporting bureaus- XXXX, XXXX, and Equifax. The consumer identified numerous inaccuracies and unauthorized inquiries in their credit report, which they believe violate their rights to privacy and confidentiality as protected by the Fair Credit Reporting Act ( FCRA ) under 15 USC 1681.

The consumer has taken the necessary step of requesting the credit reporting agencies to investigate the accounts in question to determine the reasons for the unauthorized activities reflected in their credit report. By invoking their rights under the FCRA, the consumer seeks resolution to rectify the inaccuracies and protect their consumer rights as guaranteed by federal law.

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

Complaint narrative:
Recently I checked my credit reported and noticed multiple billing errors under 15 U.S. code 1666 ( b ) billing error- ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligir or a credit issued to the obligor.

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 2024-07-07 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: IL

Complaint narrative:
Please remove all fraudulent accounts and inquires as I have no knowledge of any of these accounts due to the XXXX breach Identity theft. My information was also impacted by the XXXX data breach and May have got into the hands of the wrong person. All is being investigated by the FTC. According to the FCRA 605B, 15 U.S.C. 1681c-2 this information must be blocked immediately within four business days.

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 2024-07-07 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: EQUIFAX, INC.
State: NM

Complaint narrative:
I did not give XXXX XXXX on XX/XX/year> to pull my credit report. This inquiry account is on my credit report twice. This is a fraud inquiry on my Equifax Credit Report. I did not give them permission to pull my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Chime Financial Inc
State: TX

Complaint narrative:
Hello I began my credit journey XX/XX/XXXX I started with a credit card with Chime I began noticing that they have not been reporting to all 3 credit bureaus as they stated they would when I applied and still currently on their website the date today is XX/XX/XXXX and the last time they reported anything has been on XXXX I didnt not want to escalate or make a report due to me wanting to be patient to see if there would be a update I then began my search online with similar customers/clients with the same card and theyve had similar problems and experiences like mine I personally dont want to close the account even though Im in good standing with them I just wanted to make my voice known to other people possibly experiencing the same situation as mine and hopefully getting justice/reasonable compensation for their false advertisement

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

Complaint narrative:
Please remove all fraudulent accounts and inquires as I have no knowledge of any of these accounts due to the Equifax breach Identity theft. My information was also impacted by the Equifax data breach and May have got into the hands of the wrong person. All is being investigated by the FTC. According to the FCRA 605B, 15 U.S.C. 1681c-2 this information must be blocked immediately within four business days.

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

Complaint narrative:
XXXX XXXX XXXX  is report an account that is more than 7 years old on my credit report. This information is old and reporting more than 7 years.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SERVICEMAC, LLC
State: NJ

Complaint narrative:
I was paying my mortgage until XXXX of XXXX and then I was XXXX pregnant and got a call from servicemac my new lender ( loan transferred from guaranteed rate ) they said I owed XXXX in negative escrow. I asked why. The person on the phone did not know why. 
I tried to contact them several times but every one just kept telling me different things and I asked to speak to a supervisor and they said that the problem was that the township overcharged them XXXX in city taxes because the previous owner was tax exempt. 
Long story short come to find out it was the mortgage company who overpaid the township {$10000.00}. I had to get an attorney involved and the township did not send the money back until about XXXX of XXXX. XXXX of XXXX I come to find out that they did not pay my insurance last year. Now they are calling me saying thats the reason my account is negative. The insurance company billed them and they just didnt pay my insurance for a whole year. 
Note I havent paid my mortgage since XX/XX/XXXX because they are raising my payment from XXXX to XXXX and thats not affordable for me. Now we are in foreclosure and I have to pay an attorney because I have the money to reinstate my mortgage but at the XXXX rate not a XXXX rate that is their fault and now my credit is suffering and so is my 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 monetary relief
Consumer complaint received 2024-07-07 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: TX

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. 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 DELETE these fraudulent 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 2024-07-07 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: TX

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. 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 DELETE these fraudulent information from my credit report.

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

Complaint narrative:
XXXX XXXX XXXX  is report an account that is more than 7 years old on my credit report. This information is old and reporting more than 7 years.

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 2024-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
hello so i had paid of my car in feburary XXXX 2024 for {$4200.00} and the balance remains on my credit karma regardless of the account being closed i would like it removed from my 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