vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-28 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 a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-28 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: DE

Complaint narrative:
i filed a complaint with the cfpb XXXX. Experian contacted me and said they updated my account however they did not update it correctly. Experian continues to violate my consumer rights by reporting false information. I uploaded my documents and requested they remove all XXXX accounts. Experian has only removed one as og XX/XX/2024 my consumer report is showing this false inaccurate information.

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 2024-05-28 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:
I have no affiliation with the listed creditors and did not initiate this inquiry. Please remove it from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Improper use of your report — Reporting company used your report improperly
Company: Freedom Mortgage Company
State: VA

Complaint narrative:
On XX/XX/XXXX Freedom Mortgage 's Marketing team contacted me from XXXX XXXX XXXX XXXX # XXXX I never gave them permission to contact me. In fact in XXXX I served Freedom Mortgage with a cease and desist order baring them from contacting me by phone. 
I explained this to the agent and they got angry. Them repeatedly called me multiple time over the next hour. I got rude with them and cussed them out. 
In response, they took my private information and submitted a loan inquiry to XXXX XXXX which generated several contacts from other companies. 
It appears that Freedom Mortgage is misusing my private information as a XXXX XXXX Application requires a SSN

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 2024-05-28 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: First Technology Federal Credit Union
State: MI

Complaint narrative:
I received an alert to my credit that there we new inquiries. I have not heard of or used the banks that requested the credit inquiry. The Banks Are First Tech Federal Credit Union and XXXX XXXX I am working to correct these errors, but they are fraudulent activity.

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 2024-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
In XX/XX/XXXX I took a trip to the XXXX XXXX for XXXX weekend. I reserved my hotel online through the website and used my debit card at the check-in. This is where I think the credit card terminal was hacked as I did insert my card and used my chip at the check-in. The charges are not from the hotel that I stayed in they are all from XXXX XXXX XXXX and from a XXXX clothing store that I also did not purchase from. I reported this to my bank as soon as I saw the charges pending to my account, and Bank of America reversed them. Later, Bank of America re-instated the charges totaling {$53000.00} and send me a letter dated XX/XX/XXXX. I contacted BOA and they stated that they spoke to someone at XXXX  that said I used my pin and card at the terminal. I requested the name of the person that the BOA representative spoke to and the date and the BOA rep could not give me any details not even the number that they called. So I then wrote a letter dated XX/XX/XXXX back to BOA claims resolution as directed and BOA has not responded back and refuses to return my funds. The charges were all back to back the same day to XXXX and XXXX XXXX XXXX and just small amount of differences in each charge, BOA should know that these charges are fraud just from looking at them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-28 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:
The contrast between my consistent on-time payments for this account and the distress caused by the inaccurate late payment entry is stark. Maintaining punctuality has been my unwavering commitment, and this inconsistency is weighing heavily on my mental well-being, disrupting my sleep and peace of mind. With utmost respect, I urgently request the immediate correction of my account, stressing the urgency of 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 2024-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have a security freeze on my Experian credit report. I tried to remove the freeze, only to find that someone stole my information and changed the User ID and password on my Experian account. I am completely unable to remove the freeze. 

I tried reaching out to Experian for days and they do not allow you to talk with a live person, only an automated system that just keeps going in circles. I have been unable to get anyone at their corporate office. 

I am being held hostage by Experian and have been unable to secure needed credit due to this freeze. This is creating a major hardship for me. 

Experian does not use two step authentication and it is extremely easy for fraudsters to access your account and hijack your credit report. Experian should be held liable for this inept business behavior.

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 2024-05-28 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: EQUIFAX, INC.
State: MA

Complaint narrative:
I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-28 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: MA

Complaint narrative:
I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those 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 explanation
Consumer complaint received 2024-05-28 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Bureau Systems, Inc., Paducah, KY Branch
State: KY

Complaint narrative:
XXXX XXXX in XXXX performed a XXXX XXXX XXXX on XX/XX/23. I owed {$1500.00} to the hospital and have paid that amount in full via XXXX XXXXXXXX account. However, the hospital has taken several months to process many payments and sent me to collections while payments were pending and while a financial aid application was pending. The collection agency involved is Credit Bureau systems at XXXXXXXX XXXX XXXX  XXXX in XXXX KY. This collection agency contacted me in early XXXX for payment. I responded immediately and told them the situation with the money pending with the hospital and that the amount they were trying to collect was inaccurate. The representative stated they understand and that XXXX payments can take time. I was assured I would not be contacted until XXXX to allow for payment processing. However, I have repeatedly received mail and harrassing phone calls demanding immediate payment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-28 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NY

Complaint narrative:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-28 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Williams & Fudge, Inc
State: NY

Complaint narrative:
Was enrolled in classes for a semester that I did not authorize have been passed around by the financial office never recevied any letters regarding the debt, was tried to be placed in a payment plan for debt that was not owed, was sent to an agency without any notice

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-28 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CLGF Holdco 1, LLC
State: IN

Complaint narrative:
XXXX XXXX ( consumer, individual, person, client ) reporting on unethical and fraudulent activity of Concora Credit INC. ( company ) previously known as Genesis Credit ( company ) A payment was made via telephone call and automated system which verified a checking and routing number with the client. The payment was made on time without any need for late charges in an amount over the minimum payment of a total charge of XXXX XXXX XXXX XXXX dollars and XXXX cents, {$150.00}, prior to the due date of XX/XX/2024. After making a confirmed payment, with the amount withdrawing from the clients bank account, the client received a text message several days later claiming the payment toward the account for the Month of XX/XX/2024 was past due. 
The client called the company to which the company representative claimed the routing number was incorrect and the transaction cancelled. The client verified with the bank the payment to the company withdrew on the date the payment was initiated and the company has suddenly sent back the payment. Without any additional contact from the client to make a payment, the total amount of the payment for XXXX XXXX XXXX XXXX dollars and XXXX cents was taken from the clients bank account by the company about two weeks after the due date with late charges applied from the company to the clients account. If the company statement of the routing number being incorrect was true then how did the payment get withdrawn effectively without a correction from the client? 
The bank can prove the transaction, the text messages can verify the company 's unethical and false claim imposed on the client with intent to add late charges to the account and furthermore a transaction was completed using the intial information the client provided without correction to the information ; which was claimed to be incorrectly entered by the company- proving the company 's claim was invalid and the transaction declined for the alternative motive of the company to gain more currency by superimposing late charges on the clients account by altering the payment arrival date ( which can be traced ) and using the clients details without consent ( which can also be traced via client phone history ). 
In short : the company took the clients payment, saved the clients payment details, returned the initial payment ( which was on time and above the minimum amount due ), sent the client falsified notices of late payment due, then confirmed the clients payment after the due date without client consent in order to add late fees to the client 's account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-05-28 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: GA

Complaint narrative:
The existence of these fraudulent particulars constitutes a breach of the regulations outlined in 15 USC 1681C-2. I am submitting a formal request for the eradication of these unauthorized and illegal inquiries from my credit report. These deceitful inquiries not only present a misleading depiction of my credit history but also subject me to significant risks concerning my financial stability and reputation. It is imperative to promptly resolve this matter to safeguard my creditworthiness and preserve the integrity of my credit report. Consequently, I am seeking the expeditious removal of these fraudulent inquiries to reinstate the accuracy and reliability of my credit profile.

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 2024-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am submitting this complaint on my own behalf to address an issue regarding late payments on my credit record. Upon reviewing my records, I discovered these late payments. Despite sending letters over 30 days ago, I have not received a response, and satisfactory validation has not been provided. I kindly seek your assistance in resolving this matter promptly and effectively.

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 2024-05-28 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: NY

Complaint narrative:
I am submitting this complaint on my own behalf to address an issue regarding late payments on my credit record. Upon reviewing my records, I discovered these late payments. Despite sending letters over 30 days ago, I have not received a response, and satisfactory validation has not been provided. I kindly seek your assistance in resolving this matter promptly and effectively.

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 2024-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
15 uSc 168|6 Clearly States " Any consumer reparting agency may furnish a consumer report under the fallowing circumstances and no other ( 2 ) In accordance with the written instructions of the consumer Thats Aggravated Identity Theft 18 uSc 1028A because they have possession of your information any they are also us it without consent from the consumer 15 USc 6802 A Financial Institution may not XXXX disclose nonpublic personal information to a nonaffiliated third party unless XXXX They give you the consumer the opportunity to exercise your right to opt -out According to the FCRA, these unverified and unauthorized items must be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-28 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: NV

Complaint narrative:
I want to be absolutely clear : I did not approve these transactions to be in my consumer report, neither in writing nor verbally. So, I formally ask to block and remove them from my record. This isn't a mistake, nor is it based on any misrepresentation. These transactions were included without my clear consent or instruction. I'm stressing this to show how serious my request is. It's based on accurate info, and I'm not trying to deceive or manipulate the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-28 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I want to be absolutely clear : I did not approve these transactions to be in my consumer report, neither in writing nor verbally. So, I formally ask to block and remove them from my record. This isn't a mistake, nor is it based on any misrepresentation. These transactions were included without my clear consent or instruction. I'm stressing this to show how serious my request is. It's based on accurate info, and I'm not trying to deceive or manipulate the situation.

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 2024-05-28 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: NV

Complaint narrative:
I want to be absolutely clear : I did not approve these transactions to be in my consumer report, neither in writing nor verbally. So, I formally ask to block and remove them from my record. This isn't a mistake, nor is it based on any misrepresentation. These transactions were included without my clear consent or instruction. I'm stressing this to show how serious my request is. It's based on accurate info, and I'm not trying to deceive or manipulate the situation.

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 2024-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
The creditor has reported this account as a charge off/ write off on my credit profile but at the time of the charge off the creditor failed to send me a 1099-C form.

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 2024-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
The creditor has reported this account as a charge off/ write off on my credit profile but at the time of the charge off the creditor failed to send me a 1099-C form.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-28 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: OH

Complaint narrative:
The creditor has reported this account as a charge off/ write off on my credit profile but at the time of the charge off the creditor failed to send me a 1099-C form.

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 2024-05-28 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:
PLEASE BLOCKED AND REMOVED. 
I respectfully request the removal of this erroneous entry from my credit report. This account was not authorized or acknowledged by me. I have provided supporting documents for your review.

Company response to consumer: Closed with explanation