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

Complaint narrative:
Subject : Second Dispute Identity Theft Request for Removal of Fraudulent Accounts Dear Sir or Madam : I am writing to you regarding a prior dispute I submitted as a victim of identity theft, in which I requested the removal of fraudulent accounts that are negatively affecting my credit report. Despite following the proper procedures, the following accounts remain on my credit report : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX These accounts were not opened by me, and I have no knowledge of them. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2, I have the right to request the immediate removal of any information related to fraud or identity theft from my credit file. Additionally, the law requires credit reporting agencies to respond adequately and diligently to disputes. This is the second dispute I am filing on this matter without receiving a proper resolution. I have also attached a copy of the identity theft report that I filed with the relevant authorities, in accordance with the Identity Theft and Assumption Deterrence Act ( 18 U.S.C. 1028 ). This law penalizes the creation and use of false or fraudulent identifications, which is pertinent to this case, as my information was used without my authorization. Furthermore, I refer you to the case of " XXXX XXXX TransUnion XXXX '', XXXXXXXX XXXX XXXX XXXX XXXX where the court held that credit reporting agencies are responsible for conducting thorough investigations when receiving disputes related to errors in credit reports. The failure to adequately investigate my case may constitute a violation of the FCRA, exposing the agency to additional liability.

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 2024-10-11 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: FL

Complaint narrative:
Subject : Second Dispute Identity Theft Request for Removal of Fraudulent Accounts Dear Sir or Madam : I am writing to you regarding a prior dispute I submitted as a victim of identity theft, in which I requested the removal of fraudulent accounts that are negatively affecting my credit report. Despite following the proper procedures, the following accounts remain on my credit report : XXXX XXXX XXXX  Account XXXX : XXXXXXXX XXXX XXXX Account Number : XXXX These accounts were not opened by me, and I have no knowledge of them. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2, I have the right to request the immediate removal of any information related to fraud or identity theft from my credit file. Additionally, the law requires credit reporting agencies to respond adequately and diligently to disputes. This is the second dispute I am filing on this matter without receiving a proper resolution. I have also attached a copy of the identity theft report that I filed with the relevant authorities, in accordance with the Identity Theft and Assumption Deterrence Act ( 18 U.S.C. 1028 ). This law penalizes the creation and use of false or fraudulent identifications, which is pertinent to this case, as my information was used without my authorization. Furthermore, I refer you to the case of " XXXX XXXX TransUnion Corp. '', XXXX XXXX XXXX XXXX XXXX, where the court held that credit reporting agencies are responsible for conducting thorough investigations when receiving disputes related to errors in credit reports. The failure to adequately investigate my case may constitute a violation of the FCRA, exposing the agency to additional liability.

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 2024-10-11 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: Self Financial Inc.
State: DC

Complaint narrative:
I'm writing to bestow my XXXX  concerning the tested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably referred to that they be completely broke down. Regardless of what my endeavors, I eventually can't get any goal or supportive development. These misguided records are really harming my credit file and hindering my capacity to go on with an ordinary life. The disagreeable results of these slip-ups have caused huge difficulties for me, and I'm left with no decision beside to battle for your help with surveying what's going on quickly. I generously demand that you direct a wary evaluation concerning the vital of these tested records. It is fundamental that the chief pushes are taken to restore and amend my credit report immediately. With your assistance, I need to reestablish the accuracy and reliability of my credit record so I could recuperate command over my cash related achievement. I truly demand that you offer this matter your generally preposterous idea and make a quick move. Your help and moving in settling this issue rapidly would be exceptionally critical. Much appreciation to you right off the bat for your insight and help.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-11 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:
I recently reviewed my Equifax credit report I am a victim of Identify Theft someone used my personal information without my permission. 

XXXX XXXX XXXX XXXX is reporting and this account was opened without my consent or knowledge

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Freedom Mortgage Company
State: UT

Complaint narrative:
I contacted my mortgage to formally dispute a late payment that was reported to the credit bureaus and negatively impacted my credit score. This late payment is dated for XX/XX/year> and was recorded on my account. 

The late payment resulted from misinformation provided by a representative from Freedom Mortgage, I contacted customer service team to inquire about loss mitigation options due to temporary financial hardship. During that call, I was incorrectly informed that my account would not be reviewed for loss mitigation unless I was 30 days past due on my mortgage payments and they failed to tell me that my credit would be affected in result to going delinquent. 

Relying on this advice, I allowed my payment to become 30 days late, under the belief that it was necessary for the loss mitigation process and no damage to credit. However, I later discovered that this information was incorrect and that missing a payment would be consequential to my credit. 

I take my financial obligations seriously and would never have intentionally allowed a late payment to occur had I been given accurate information. I ask for assistance in reversing this mistake, as it was the result of misinformation provided by Freedom Mortgage.

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 2024-10-11 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: FL

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 2024-10-11 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: FL

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 2024-10-11 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: MD

Complaint narrative:
Subject : Request for Removal of Inaccurate Account Information I am writing to formally dispute the information related to [ Account Name/Number ] on my credit report. After reviewing my credit file, I noticed that this account has been inaccurately reported and I am requesting its immediate removal.

Here are the key reasons for my dispute : Inaccurate Account Information : The information listed about this account is incorrect. I have never opened or authorized this account, nor have I ever received services or products from the creditor. It appears this account has been added to my report in error.

Lack of Validation : I have not received proper validation of this debt despite my attempts to resolve this issue. The creditor has failed to provide sufficient documentation to verify the accuracy of the debt, as required under the Fair Credit Reporting Act ( FCRA ).

No Prior Notice : I did not receive prior notice of this account being opened, and no attempts were made to contact me before it was reported to the credit bureaus. As a result, I have been denied my legal right to dispute or resolve the matter directly with the creditor.

I kindly request that this inaccurate account be investigated and removed from my credit report promptly. Please confirm in writing that you have received this dispute and inform me of any action taken to correct the error. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 explanation
Consumer complaint received 2024-10-11 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: TX

Complaint narrative:
I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX, Number XXXX Inquiries : XXXX XXXX XXXX XX/XX/year> ALLY XXXX XXXX XX/XX/year> XXXX AUTO All Banks XX/XX/year> XXXX OF XXXX All Banks XX/XX/year> COMENITYCB/LENDINGCLUB XX/XX/year> NOWCOM/NKR LL XX/XX/year>

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 2024-10-11 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: TX

Complaint narrative:
I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX, Number XXXX Inquiries : XXXX XXXX XXXX XX/XX/year> ALLY XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX  XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX  XX/XX/year>

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 2024-10-11 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: MO

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. 

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 explanation
Consumer complaint received 2024-10-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have contacted this company several times in the past month to remove fraudulent accounts on my report that have reappeared. They have removed all those accounts accept XXXX XXXXXXXX XXXX credit card. With this particular account they removed it and added it back, removed it and added it back again every time I call. I keep calling and they keep telling me they are going to remove it immediately and they never do. As of today XX/XX/year> they are stating that they cant remove it because they do not see the FTC report even in the complaint through the CFPB. This company keeps violating my rights and are using stall tactics to keep from correcting my report.

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

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2024-10-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
On XX/XX/XXXX I made a wire transfer of {$59000.00} ( CAD ) from my XXXX XXXX XXXXhecking account to a XXXX XXXX XXXX account with information listed below ; XXXX XXXX XXXX XXXX XXXX  Name : XXXX XXXX XXXX XXXX  Accoun Number : XXXX Wire routing : XXXX Electronic transfers, payments and direct deposits : XXXX Bussines Address : XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXXXXXX XXXX XXXX, XXXX XXXX : XXXX The money arrived XXXX XXXX XXXX two days later and after several days they still have not credited the account, the account holder called severally and XXXX XXXX XXXX  kept saying they are reviewing the transfer. Then my bank XXXX advised that we cancel the transfer and request for a refund, I went into the bank and signed the necessary paperwork to effect the request for a refund on XX/XX/XXXX, initially XXXX XXXX XXXX responded to my banks request and ask the we ask the account holder to visit a branch to authorize the reversal, the account holder did visit a branch and signed the paperwork and still XXXX XXXX XXXX hasnt returned the money. After waiting for over a month my bank closed the case and open a new one still XXXX XXXX XXXX didnt return the money. Last week they told the account holder that my banks needs to request again for they refund my bank did and still nothing from XXXX XXXX XXXX. 
I have been waiting for my refund for 4 months now and XXXX XXXX XXXX isnt responding to my banks request to return the money. Please I would appreciate a swift resolution. 
Below are my bank details with XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Financial Institution Number : XXXX Branch Transit 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 explanation
Consumer complaint received 2024-10-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
I applied for XXXX XXXX XXXX credcard two months ago, XX/XX/XXXX XXXX XXXX online website. It went into pending process for two weeks. When I called for an update, on XX/XX/XXXX they wanted more info of identification. I emailed a valid my Driver 's License and Cell phone bill. They said the email blurry. I sent another one and they said it was blurry again. They said only two emails are allowed. I had to fax instead. I faxed it in XX/XX/XXXX. Today XX/XX/XXXX they said they need another two weeks to make a decision. 
I called back on XX/XX/XXXX a second time after I just got off the phone because I instantly got a hard inquiry on my credit report. When I asked why did I receive the second hard inquiry, they said the first request was only good for thirty days. 
Number one, they pulled my credit and held off making a decision because they still aren't certain of my identity ( they are my bank ). Thats not fair. 
Number two, they made a second inquiry for the same XX/XX/XXXX application. Thats an insult to injury. 
Number three, the rule to only allow two emails to verify an ID is not good business practice to say the least.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc.
State: NC

Complaint narrative:
Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit report.

Company response to consumer: Closed with non-monetary relief